Ohio Auto Insurance Requirements
As a motor vehicle operator and resident of Ohio, you need to know that you are financially responsible for any personal injury and/or property damage that you cause in an automobile accident. This sort of state is referred to as a “Tort” state.
Ohio gives you a few different ways to prove that you can pay in the event of an accident:
- Post a cash bond in the amount of $30,000.
- Post a real estate bond in the amount of $60,000.
- Purchasing the minimum liability insurance of 12.5/25/7.5 (see the chart below)
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Most drivers opt for the liability insurance.
Please note that these are very low minimums. You might want to consider purchasing higher levels of coverage, especially if you have a family and/or assets to protect.
Ohio drivers are also able to increase their auto insurance protection by purchasing one or more of the following options: collision, comprehensive, medical payments, as well as uninsured and underinsured motorists bodily injury coverage.
| Coverage Type |
Required? |
Minimum Coverage Amount Required |
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Auto Insurance for Leased Vehicles in Ohio (OH)
Most leasing companies in Ohio typically require drivers to maintain insurance coverage which exceeds the minimums set by Ohio state law. This is to protect you financially, as well as your leasing company, should they be held partly responsible. Most leasing companies will recommend the following amounts of insurance coverage:
Read about special considerations for drivers in:
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Ohio Bureau of Motor Vehicles
www.oplates.com |
Ohio Department of Insurance
2100 Stella Court
Columbus, OH 43215-1067
www.ohioinsurance.gov |
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 Esurance
Esurance offers a full set of insurance policies, providing their customers with many product choices. The company consistently lives up to high ideals, providing quality policies and excellent customer service. Esurance allows you to compare their quotes against quotes from other companies, so you can get the best coverage for the best price. After you get a quote, you can actually purchase a policy, pay for it, and print out a temporary insurance card, all within minutes.
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 21st Century Insurance
21st Century Insurance offers personal automobile, motorcycle, and umbrella insurance in California and automobile insurance in Arizona, Illinois, Indiana, Nevada, Ohio, Oregon, Texas and Washington. The company receives much of its new business through referrals from current policyholders; the average annual renewal rate of existing policyholders is greater than 90%. Accepts all licensed drivers, including new drivers.
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Last Updated: February 14, 2008
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